LANDY R JOSEPH 4

What Happened
Landy R. Joseph, a director of Citizens Financial Services, reported a gift (transaction code G) of 20 shares on 2026-03-19. The filing shows the shares were disposed with a reported price of $0.00 per share and a $0 total value (typical for intra-family or charitable gifts recorded as gifts).

Key Details

• Transaction date: 2026-03-19; Transaction type: Gift (G), reported as a disposal.
• Price reported: $0.00 per share; Total reported value: $0.
• Shares owned after transaction: Not specified in the provided filing details.
• Filing date: 2026-03-19 (same-day report, not indicated as late).
• No footnotes or 10b5-1 plan / tax-withholding entries were provided in the data shown.

Context
Gifts are transfers of shares and do not necessarily indicate the insider’s view on the company’s prospects; they are often for personal, family, or charitable reasons. Unlike purchases, gifts are not a bullish signal for investors and should be interpreted cautiously alongside other insider activity.